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BPI · Mastercard · Classic

Rewards

Why pick it: 1.85% foreign fee, points never expire

Mastercard points card: 1 point per ₱35 on all spend, ₱2M free travel insurance, points redeemable for shopping credit or PAL miles.

Score
25 /100
Rank
#75 of 123
Annual fee
₱1,550
Solid C
GET IT IF…Honest take

Libre ang first year at mura ang fee kapag nag-spend abroad, pero manipis ang earn na 1 point per ₱35.

Bottom line: Kunin lang ito kung gusto mo ng simpleng BPI card, aabot ka sa spend waiver, at paminsan-minsan kang namimili abroad. Kung rewards ang habol mo, mas okay ang ibang card.

Read the full take: the math, what's good, what hurts

Mula second year, ₱1,550 na ang fee ayon sa page, pero auto-waived ito kapag umabot sa ₱180,000 a year ang spend (galing sa data). Kumikita ng ~₱500 lang sa rewards ang typical household (~₱825k a year), at negative ang travel side, ~-₱1,000, dahil sa 1.85% na fee sa foreign spend. Sa 123 cards, #75 ito at 25 ang score.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • Hanggang ₱2M ang travel insurance kung ibu-book mo ang flight gamit ang card.
  • Walang expiry ang points, per the page.
  • Mababa ang fee sa foreign transactions: 1.85%, ayon sa page.

What's bad

  • 1 point per ₱35 lang ang earn, local man o foreign.
  • Per the BPI Rewards T&C C.3, hindi kumikita ng points ang bills na binayaran via BPI Online o Mobile Banking. Hindi excluded ang bills na direktang sinisingil sa biller, ayon din sa T&C.

The catch: Ang income requirement at ang auto-waive ay wala sa BPI page. Galing sa data: ₱180,000 na taunang income at ₱180,000 na spend para sa waiver.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; auto-waive at ₱180,000 yearly spend; points value. Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about −₱500 in rewards (₱500) and travel value (−₱1,000), before the ₱1,550 annual fee (waived automatically at ₱180,000 yearly spend)
To qualify:
₱180,000 a year income
Bank service:
About typical.

First year

Welcome offer:
No annual fee for life after ₱50,000 spend (new-to-BPI; apply by Dec 15, 2026) plus ₱250-500 eGift certificate; Moneymax applicants also get a gift worth up to ₱1,995 (apply by Jan 15, 2027) (ends Dec 15, 2026)

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#75 of 123 cards open to new applicants, and #106 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value6 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend2 / 37

      About ₱500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers16 / 16

      The ₱1,550 fee is waived automatically at ₱180,000 of yearly spend, which the typical household reaches. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. How the bars work

  • Promos and 0% installments11 / 15

    0% installment network: strong. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 41 live promos tracked. How it is scored

  • Points flexibility2 / 10

    5 airline partners, and points that do not expire. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path2 / 5

    Classic card level, plus how BPI handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

    Banking app: strong. Service: about typical. How it is scored

  • Late fee1 / 2

    A late fee of ₱850 for one missed payment. How it is scored

On the default spend: about ₱500 a year in rewards and −₱1,000 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod45 BOct 2445 COct 2622 COct 2722 CNov 222 CNov 423 CNov 924 CNov 1025 CNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱1,550
Supplementary fee
₱0
Fee waiver
Waived automatically at ₱180,000 yearly spend
Foreign transaction fee
1.85%
Minimum income
₱180,000 a year

Rewards

1 BPI point per ₱35, local and foreign. 20,000 points = ₱1,000 shopping credit, or 16,000 points = 1,000 PAL miles. Bills paid through BPI Online and Mobile Banking, SIP loans, gaming and fees earn no points.

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles, Cathay Asia Miles, Singapore Airlines KrisFlyer, airasia rewards, Cebu Pacific Go Rewards

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
Up to ₱2,000,000, covers family

Strengths

  • Fee auto-waived at ₱180,000 yearly spend
  • Low FX fee (1.85%)
  • Points don't expire; 5 airline partners

Live and upcoming promos (45)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 40 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official BPI card page ↗